Berkley Healthcare Professional Underwriters is pleased to be a premier provider of Healthcare insurance products to the following industries. Click your industry to learn more.

HospitalsPhysiciansSenior Living / Long Term CareAncillary, Allied and Miscellaneous Providers

Hospitals

Serving a wide spectrum of organizations including academic teaching hospitals, multi-hospital systems, and providers that focus on children, orthopedics, rehabilitation, long term acute and other specialty care, our hospital clients vary in jurisdiction with local, regional or national footprints.

Our underwriters welcome the opportunity to partner with hospitals to develop long term insurance strategies, analyze and address industry factors such as market consolidation, physician integration, quality initiatives and expense management necessitated by decreasing reimbursements. With an understanding that risk exposure and litigation environments can vary dramatically between provider types and regions, our underwriting approach is refined through substantive interaction with clients and their broker/agent intermediary professionals to ensure that coverage is crafted to meet each hospital’s unique exposures.

Berkley Healthcare Professional Underwriters can offer standard or bespoke structures on an insurance or facultative reinsurance basis, and can craft an array of alternative risk transfer options, including capability to assist hospitals seeking to transition to a captive insurance company structure. Participation on client programs may be through standalone limits, or quotashare with either qualified (re)insurers or our hospital clients.

Capacity:
Up to $25 million
Attachment:
Dependent on each client’s risk profile and financial appetite

Physicians

Our physician program focus is two-fold. The first is to partner with hospital clients to address employed physician integrated coverage needs. Under this structure, we seek to leverage the benefits of joint or coordinated defense strategies, while providing a flexible structure that accommodates the client’s physician platform growth strategy.

We also offer excess physician capabilities to larger independent groups, or for hospital clients that seek to distance or separate their facility excess limits from physician-related exposure. This focus also includes physicians groups that use captive or risk retention group structures. Where required, we may consider offering admitted paper.

Capacity:
Per physician primary limits, supported by group or excess limits up to $25 million
Attachment:
Dependent on each client’s risk profile and financial appetite

Senior Living/Long Term Care

We can address every aspect of this class including skilled nursing, assisted living, memory care, independent living, hybrids such as continuing care retirement communities, and associated services such as home care, adult day care, hospice, personal services and other specialty care. Our client profiles include large multi-state operators, regional providers and single location facility owners – the full spectrum of senior care providers.

Risks and litigation environments can vary dramatically between provider types and regions. Our underwriting flexibility ensures that appropriate coverage is crafted to meet each client’s unique exposures. We offer standard or bespoke programs on an insurance or facultative reinsurance basis using standard or alternative risk transfer structures with a wide array of coverage features. Clients seeking transition to a captive insurance company structure can also be accommodated by our team.

Capacity:
Up to $16 million generally; up to $25 million will be considered.
Attachment:
Dependent on each client’s risk profile and financial appetite

Ancillary, Allied and Miscellaneous Medical Providers

We focus on large operators in this class who are prepared to assume responsibility for expected levels of loss while seeking protection for severity and catastrophic exposures, consistent with our philosophical approach to risk transfer. We offer coverage solutions for most ancillary and allied health provider organizations, including:

Allied Health
Blood Banks
Clinics/Urgent Care
Correctional
Diagnostic Imaging
Dialysis
Durable Medical Equipment
Health & Fitness
Home Health
Laboratories
and more…
Behavioral Health
Pharmacies
Physical & Occupational Therapy
Physician & Nurse staffing
Surgery Centers

We offer coverage and extensions typical for this class, and have the ability to write general liability on an occurrence form basis.

Capacity:
Up to $16 million generally; up to $25 million will be considered.
Attachment:
Dependent on each client’s risk profile and financial appetite